Sukshma Hospi-Cash Group provides a cash benefit in case an insured gets hospitalized. It is specifically designed to take care of the incidental expenses in case of hospitalization. This product will be offered on a group basis.

Sukshma Hospi-Cash Group policy guards you and your family against the trauma you face because of increased financial burden during hospitalization.

It provides you with a fixed benefit for each day of hospitalization irrespective of the actual medical cost. Thus, provides you with additional protection at all times.

Key Benefits

Daily Hospitalization benefit 

You will get a fixed hospital cash benefit for each continuous and completed period of 24 hours of hospitalization caused by Accidental Bodily Injury or Sickness, for maximum of 5/ 10/ 15/ 20/ 25 days as per the plan chosen

ICU Benefit

You will get two times of the benefit chosen in case of hospitalization in the Intensive Care Unit of a Hospital caused by Accidental Bodily Injury or Illness, for maximum period of 10 days for each hospitalization and maximum period of 20 days during policy period as per plan opted

Optional Benefits

Deductible

You will have an option to choose deductible of 1 day, 2 days or 3 days and avail a discount on premium as per the deductible and plan opted

Convalescence Benefit

You will get an additional convalescence benefit for Hospitalisation beyond 10 consecutive days for maximum once per hospitalisation period. The cover will be applicable for 15 days/ 20 days/ 25 days plan options, if opted for

Maternity Benefit Expenses Cover

You have the option to choose Maternity benefit expenses cover with and without 9 months waiting periods

Pre-Existing Disease cover

You have the option to choose Pre-Existing Disease cover to cover any condition/ ailment/ injury/ related condition for which you have been diagnosed, received medical treatment, had signs/ symptoms, prior to inception of first policy

What’s Not Covered

Hospitalisation for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments

Hospitalisation for General debility, ‘Run Down’ condition or rest cure, sexually transmitted disease, intentional self-injury

Non-Allopathic treatment/ hospitalization

Any hospitalisation outside India

Hospitalization for any mental illness or psychiatric illness

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This entry is part 10 of 14 in the series May 2019 - Insurance Times

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